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STIV

Active
Public limited companyfounded 20196 yrs activeNijverheidslaan 31, 8540 Deerlijk, BelgiumKBO/BCE: BE 0735.737.278
Summary

STIV has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.3m and a net result of -€144,262. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 23% of 5338 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
STIVActiveChecked score 84/100
Risk analysis ReportCompare

Overview

Activity
Property management for co-owned buildings (syndics)
NACE 68321Buying and selling of own real estate NACE 68110
#1 company by total assets in Deerlijk, Real estate sector1 site
Size
€25.5mtotal assets 2025
Equity
€2.3m
Loss
-€144,262
Financial health
84 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Parent
Indel Invest · 90%
Accounts 16 d early0 of 2 deeds read
Why 84- Liquidity: current ratio 0.21, cash €80,718, halved- Equity €2.3m (8.9% of total assets)+ Size: total assets €25.5m+ Sector Real estate activities (NACE 68)Show the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Better than 26% of its sector peers (NACE 68, medium-sized)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 34-11
equity 8.9% of total assets
Liquidity 40+17
short-term debt 26.1% · cash 0.3%
Profitability 27-17
return on assets -0.6%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (1,712 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -3.2% vs 12-2024 02-2025: 0.3%● 0.0% vs 01-2025 03-2025: 0.3%▲ +1.8% vs 02-2025 04-2025: 0.4%▲ +7.6% vs 03-2025 05-2025: 0.4%▲ +1.9% vs 04-2025 06-2025: 0.4%▲ +4.8% vs 05-2025 07-2025: 0.4%▲ +7.4% vs 06-2025highest value 08-2025: 0.1%▼ -87.2% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%▲ +1.9% vs 11-2025 01-2026: 0.1%▼ -3.6% vs 12-2025 02-2026: 0.1%▼ -1.9% vs 01-2026lowest value 03-2026: 0.1%▲ +5.8% vs 02-2026 04-2026: 0.1%▲ +16.4% vs 03-2026 05-2026: 0.1%▲ +14.1% vs 04-2026 06-2026: 0.1%▲ +21.9% vs 05-2026 07-2026: 0.1%▲ +29.2% vs 06-2026 08-2026: 0.3%▲ +120% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026
  • Liquidity: current ratio 0.21, cash €80,718, halved raises the probability
  • Size: total assets €25.5m lowers the probability for this profile
  • Sector Real estate activities (NACE 68) lowers the probability
  • Equity €2.3m (8.9% of total assets) raises the probability
Credit up to €180,000 at 30 days acceptable
Liquidity short (current ratio 0.21 against 0.06 in 2024; short-term debt: 26.1% and cash: 0.3% of total assets), and 91.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, medium-sized). Better than this share of them on solvency 28%, liquidity 32%, profitability 20%, growth against the median 24%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 0.21, cash €80,718, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €25.5m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Sector Real estate activities (NACE 68)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Equity €2.3m (8.9% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 5338 sector peers (2025).
NBB · sector comparison
Position among 5338 sector peers
Solvency
better than 23%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
16 d early
2024
8 d early
2023
5 d early
2022
14 d early
2021
12 d early
2020
15 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 19 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Weakest financial yearnet -€144,262
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Caution: From profit to loss in 2025after €169,402 in 2024 -€144,262 View
  • Positive: Company by total assets in Deerlijk, Real estate…in the Checked rankings #1 View
  • Controlled by Indel Invest 90% View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€25.5m
Loss
-€144,262
Solvency
8.9%
Total assets▲ 117%
Net result
20202025
Go to Financials

Timeline

Events
9
Since
2021
Next accounts
by 31-07-2027
  1. 15-07-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 23-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Property management for co-owned buildings (syndics)NACE 68321
Founded
05-10-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?Indel Invest · 22 companies How does this company compare with its sector?Sector benchmark

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